As of August 01, 2026, the average salary for a Consumer Lending Officer III in the United States is $66,100 per year, which breaks down to an hourly rate of $32.
However, a Consumer Lending Officer III's salary can vary significantly. Here’s a look at the typical salary range:
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A Consumer Lending Officer III's salary isn't a fixed number. It's shaped by several important factors. Below, we'll explore how your years of experience, geographic location, education, and company size can directly affect your earning potential.
Experience is a primary driver of a Consumer Lending Officer III's salary. As you build your skills and take on more complex tasks, your compensation generally increases. Here's how the average salary grows at different career stages:
| Job Role | Years of Experience | Average Salary |
|---|---|---|
| Consumer Lending Officer I | 0-2 years | $50,466 |
| Consumer Lending Officer II | 2-4 years | $56,271 |
| Consumer Lending Officer III | 4-7 years | $66,082 |
| Consumer Loan Manager | 7+ years | $102,398 |
| Regional Consumer Lending Senior Manager | 7+ years | $119,290 |
What Am I Worth?
Your salary can change significantly depending on where you work. States with a higher cost of living and strong industrial sectors often pay more to attract Consumer Lending Officer IIIs. For example, consider the average annual salaries in these key locations:
Demanded Skills for the Role:
| Skills | Demand Percentage |
|---|---|
| Products and Services | 7.31% |
| Credit Reports | 2.16% |
| Credit Card | 1.32% |
| Skill | Salary | Salary % Increase |
|---|---|---|
|
Wealth Management
|
$77,337 |
17%
|
|
Business Development
|
$74,693 |
13%
|
|
Listening
|
$73,371 |
11%
|
|
Underwriting
|
$72,710 |
10%
|
|
Credit Card
|
$72,049 |
9%
|
|
Teamwork
|
$69,405 |
5%
|
Consumer Lending Officer III salary potential scales significantly with company size. Data shows that Enterprise companies (5,000+ employees) pay the highest average salary at around $71,167. While startup companies pay approximate $60,316.
| Company Size | Employees | Average Salary |
|---|---|---|
| Startup | 1~50 | $60,316 |
| Growth Stage | 51~500 | $63,773 |
| Established | 501~5000 | $68,748 |
| Enterprise | 5000+ | $71,167 |
For Consumer Lending Officer III roles, the industry you choose can affect earning potential by as much as 90% (the gap between the highest and lowest paying industries). Data shows that the Financial Services and Edu., Gov't. & Nonprofit sectors offer the strongest compensation, at 50% above the average. In contrast, Consumer Lending Officer positions in Insurance or Business Services typically offer lower base pay, as these industries often view Consumer Lending Officer III as a support function rather than a direct revenue driver.
| Industry Sector | Average Annual Salary | Average Hourly Rate | Pay vs.Avg |
|---|---|---|---|
| Financial Services | $99,150 | $48.0 | 50% |
| Edu., Gov't. & Nonprofit | $72,710 | $35.0 | 10% |
Your level of education can impact your salary potential. While many Consumer Lending Officer IIIs enter the field with a High School Diploma or Technical Certificate degree, higher education can lead to more specialized and higher-paying roles.
According to our 100% employer-reported salary data, the median salary for a Consumer Lending Officer III with a High School Diploma or Technical Certificate is between $62,255 and $66,564).
Consumer Lending Officer III Salaries by Degree Level
| Degree Level | % of user with this level of education |
|---|---|
| No Diploma | 1.4% |
| High School | 28.8% |
| Associates | 13.0% |
| Bachelors | 52.1% |
| Masters | 4.8% |
| Doctorate | 0.0% |
Understanding how a Consumer Lending Officer III's annual salary breaks down can help with budgeting. Below, you can see the average hourly rate, weekly pay, and monthly pay for this role. Use the buttons to switch between different pay periods.
Last Updated on August 01, 2026For a Consumer Lending Officer III, the most direct path to higher earnings is advancing to the Consumer Loan Manager role. This promotion typically comes with a significant pay increase, bringing the average annual salary to $102,400 - a projected growth of 55% over your current level.
Salaries for a Consumer Lending Officer III can change over time, reflecting shifts in market demand and the overall economy. The median salary decreased from $51,279 in 2023 to around $50,706 in 2025, reflecting changes in demand, location, experience, and the wider economy. For a detailed analysis of Consumer Lending Officer III salary trends, .
| Year | Average Annual Salary |
|---|---|
| 2022 |
View More
|
| 2023 | $51,279 |
| 2024 | $51,157 |
| 2025 | $50,706 |
| 2026 |
View More
|
| 2027 |
View More
|
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The Financial Services industry offers the highest average compensation for Consumer Lending Officer III roles, with salaries approximately 50% above the market median.
The salary range for a Consumer Lending Officer is between $59,600 and $74,900, with a midpoint salary of $66,600. This reflects the base compensation for this role, which may vary based on experience and location.
Most jobs that pay over $200k a year are typically in high-demand fields such as medicine and law, which require extensive education and training. In contrast, positions like Consumer Lending Officer offer salaries ranging from $59,600 to $74,900, highlighting the significant income disparity in various professions.
The salary range for a Consumer Lending Officer is approximately $59,600 to $74,900 per year, with a mid-salary of $66,600. This reflects the base salary, excluding any additional compensation.
A Consumer Lending Officer typically earns between $59,600 and $74,900, with a median salary of $66,600. Recent reports for Consumer Loan Specialists at OneMain Financial show salaries ranging from $37,000 to $45,000, which may be below the industry standard for this role. Experience and location can significantly impact these figures.
The salary for a Consumer Lending Officer typically ranges from $59,600 (minimum) to $74,900 (maximum) annually. The midpoint salary is $66,600, indicating that most professionals in this role earn within this range.
The salary range for a Consumer Lending Officer is between $59,600 and $74,900 per year, with a midpoint salary of $66,600. This reflects the base salary and does not include additional compensation.
Salary.com provides salary estimates, histograms, trends, and comparisons using data from employer job postings and third-party sources.
We offer detailed salary information across multiple percentiles for your reference. (Click here to learn Why the Salary Midpoint Formula Is Crucial for Achieving Pay Equity.)
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